Ah okay thanks - I guess for how I was contemplating to use it (MR related) doesn't really work.

Ya still debating on 75k - the main benefit that appeals to me beyond what you listed is the priority rewards for international (which is the vast majority of my personal travel), so it's a potentially efficient way to start burning my points balance down - relative to many FT's it's not that high so maybe give it another year before I try to push for it... hmm